01 Kubata Kwekurasikirwa IRA seChikoro Chekuchengeta Mari
Kubatana:
Pakava nenharo dzakawanda pamusoro pekushandisa IRA, kunyanya Roth IRA, seimwe nzira yekoroji yekuchengetedza kambani. Nheyo yemugariro uyu ndeyekuti IRA inokubvumira kuti usatora 10% yekutanga kubvisa chirango kana yakashandiswa pakudzidzira mari yekoroji.
Kuzvidzivirira kwechirango ichi kunowanzovhiringidzwa nekudzivirirwa kwemitero yemari. Izvozvi zvingaita kuti urege kubhadhara mitero yemari yepamusoro pamari yaimbove isati yatariswa, pasinei nokuti iwe unovabvisa kubva kuMutambo kana Roth IRA.
Kushandisa Roth kana kuti Traditional IRA ndiyo nzira yakarongwa yekugadzirisa zvemari inoda kuti pfungwa dzakawanda dzisingafungi, uye haigoni kukurudzirwa. Kubatsirwa kwemuitiro uyu kwakaenzana nemabharo ekushandisa Chikamu 529 Savings kana Coverdell ESA.
Ideal Investor:
Kuisa mari yekoroji muRoth kana yeChitura IRA inofanira kuongororwa apo nhamba yezviitiko zvinotevera zviripo:
- Mubereki anonyanya kugadziriswa mukunzwisisa kwavo uye ruzivo rwemitemo yemitero.
- Mishonga yekurega basa inenge yasati yasangana zvakakwana kuburikidza nedzimwe zvirongwa.
- Vabereki kana mwana vakakodzera kugovera kuIRA.
- Havazogoni kuwana rubatsiro rwemari kana vakaratidza chero mari yekoroji.
- Vakatotanga kukanganisa dzimwe nzira dzekuchengetedza mari yekoroji, kana kuti havakwanisi zvichienderana nemari yavo.
- Havangambodi kuti vabvise zvinopfuura mari yavo yepakutanga.
- Vanoda kuchengetedza kwekupedzisira pamusoro pezvinhu zvisina kushandiswa.
02 Kubatsira uye Kukanganiswa kwekushandisa aCollege IRA
Mikana Inobatsira:
Zvichida chikuru chakakosha kushandiswa kweIRA ndechokuti urongwa hwekugara muhupfumi hahufambidzwi mune dzakawanda zvekubatsira mari. Kana imwe yakawanda yemari yakachengetedzwa muCoverdell ESA kana kuti Chikamu cheChishanu 529, 5.64% yehuwandu hwayo ichaverengera kune rubatsiro rwemari gore negore.Chimwe chikomborero ndechekuti mari isingashandisi, kana yakabatanidzwa muIRA kusvikira nguva yakasununguka yekurega basa (inenge 59/2), haizovi pasi pe 10% kubvisa chirango. Munyaya yeRoth IRA, havazovi pasi pemutero wemari, kana.
Izvi zvinopesana ne 10% chirango (pamwe nemari inowanikwa mumitero) inobhadharwa kusingashandiswi Chikamu 529 kana Coverdell ESA mari pavanenge vabviswa.
Zvingave Zvisingabatsiri:
Iko kune zvakawanda zvisingabatsiri kune iri sarudzo pamwe chete. Zvichida chikuru pane kurasikirwa kwekushandiswa kweIRA nokuda kwekuporesa kwako kwegore negore. Kushandisa Ira yokurasikirwa kuti uchengetedze yekoroji inokupa mukana wekushandisa nayo kuchengetedza ramangwana rako. Sezvo kubvisa basa richava mari inodhura kupfuura dzidzo yekoljiji, ichi ndicho chinokosha kufunga.Rimwe risina kunaka richava mitero pamari yakabviswa. Mune Mararamiro (deductible) IRA, mari yose yakabviswa inenge ichitungamirirwa nemutero weHerald uye wehurumende. Mune Roth IRA, mari ipi neipi yakabviswa pamusoro uye mhiri kwezvipo zvako zvepakutanga ichakweretwa muZimbabwe nehurumende.
Kana izvi zvichienzaniswa nekusabhadhara mitero isina kubhadhara kubvumirwa kweChirongwa 529 zvirongwa uye Coverdell ESA, izvi zvinogona kureva kudarika kwemari.
Semuenzaniso, $ 20,000 kubhadhara mari yekubhadhara mari inoshandiswa kubva kune rumwe rudzi rweIRA inogona kutengesa madhora mazana maviri emitero (kutora 25% Federal uye 5% yehurumende mutero). Izvozvowo kubvisa kubva muChishanu 529 kana Coverdell ESA nhoroondo ingadai isina kubhadhara mutero.
03 Kutengeswa Kwekutsvaga uye Mitero Yezvikwereti zveKirasi IRA
Investment Options:
Mvumo yakabvumirwa yeIRA inosanganisira menyu yakazara yezvimwe zvikwama, zvisungo, CD, uye mutengo wemari. Mukuwedzera, annuities inogona kutengwa muIRA, asi kazhinji inofanira kudziviswa.Mitero Yemitero:
Kubatsira kukuru kwerudzi chero ipi zvayo rweIRA ndiyo kuwedzera-kutengesa kukura. Mune mamwe mazwi, haufaniri kubhadhara mutero gore negore pane chido, mari, uye kukura kwemari yako. Izvi zvinobatsira zvikuru-kutengesa kukura kwako kukura kunyange kana uchifanira kubhadhara mutero gare gare, sezvazvakangoita neChechi yeIra.Zvisinei, kubatsirwa uku kunokanganisa chikamu chemari apo mari inodzinga mari yekudzidzisa. Kunyange zvazvo IRS inokonzera chirango che10% chekuregererwa kwekurumidza, iwe uchiri kukodzera kubhadhara mutero pamari isina kumbobhadharwa kune imwe nzvimbo. Izvi zvinoreva kuti mari ipi neipi inodzingwa kubva kuIra yako yakabviswa, uye chero upi zvake kubva kuRoth IRA, inenge ichitsva nemitero yemari.
04 Zvigadziriswa Zvigadziriswa uye Kubudirira Kwekubhadhara Mari Kwekoroji IRA
Mari Inokodzera:
- Kudzidza pajijiji kana kupfuura (asi kwete nzvimbo uye bhodhi)
- Mabhuku, midziyo, uye mari (kana zvichidiwa nechikoro)
Migumisiro pa Federal Federal Aid Kukodzera:
Mari inobatwa mumakosheni ekurega mari yakafanana neChechi kana Roth IRA haifaniri kutaurirwa fomu Federal FAFSA. Nokudaro, hazvingakuvadzi kukwanisa rubatsiro rwemari.05 Contribution uye Kubvumirwa Mitemo yeKirasi IRA
Eligibility:
Kubhadhara kunodzivisa 10% kutanga kubvisa chirango kunofanira kuva yevadzidzisi vemugove wekambani, varoorana, vana, kana vazukuru.Contribution Rules:
Pane mhirizhonga yemipiro yemitemo yeIRA iyo inobatwa nehuwandu hweIRA, yezera remubatsiri uye mari, uye kana kwete kana mupiro kana mudzimai wavo anopiwa chirongwa chokubvisa basa nevanoshandira.Mupiro wepamusoro kune IRA ndeye $ 5,000 pamunhu mumwe nomumwe, ane $ 1 000 yezvemari yevanamerica vanopfuura makore makumi mashanu.